EFU General Insurance Limited (PSX:EFUG)

EFU General Insurance Statistics

Total Valuation

PSX:EFUG has a market cap or net worth of PKR 24.78 billion. The enterprise value is 22.14 billion.

Market Cap	24.78B
Enterprise Value	22.14B

Important Dates

The last earnings date was Friday, April 24, 2026.

Earnings Date	Apr 24, 2026
Ex-Dividend Date	May 4, 2026

Share Statistics

PSX:EFUG has 200.00 million shares outstanding. The number of shares has decreased by -0.01% in one year.

Current Share Class	200.00M
Shares Outstanding	200.00M
Shares Change (YoY)	-0.01%
Shares Change (QoQ)	-0.06%
Owned by Insiders (%)	33.89%
Owned by Institutions (%)	12.33%
Float	59.85M

Valuation Ratios

The trailing PE ratio is 4.47.

PE Ratio	4.47
Forward PE	n/a
PS Ratio	0.22
PB Ratio	0.76
P/TBV Ratio	1.01
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 1.73, with an EV/FCF ratio of -1.33.

EV / Earnings	3.99
EV / Sales	0.20
EV / EBITDA	1.73
EV / EBIT	1.95
EV / FCF	-1.33

Financial Position

The company has a current ratio of 0.96

Current Ratio	0.96
Quick Ratio	0.50
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	72.23

Financial Efficiency

Return on equity (ROE) is 20.95% and return on invested capital (ROIC) is 19.18%.

Return on Equity (ROE)	20.95%
Return on Assets (ROA)	2.02%
Return on Invested Capital (ROIC)	19.18%
Return on Capital Employed (ROCE)	3.49%
Weighted Average Cost of Capital (WACC)	4.66%
Revenue Per Employee	115.12M
Profits Per Employee	5.74M
Employee Count	966
Asset Turnover	0.32
Inventory Turnover	n/a

Taxes

In the past 12 months, PSX:EFUG has paid 4.77 billion in taxes.

Income Tax	4.77B
Effective Tax Rate	41.94%

Stock Price Statistics

The stock price has increased by +3.62% in the last 52 weeks. The beta is 0.07, so PSX:EFUG's price volatility has been lower than the market average.

Beta (5Y)	0.07
52-Week Price Change	+3.62%
50-Day Moving Average	124.32
200-Day Moving Average	125.26
Relative Strength Index (RSI)	49.72
Average Volume (20 Days)	16,869

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, PSX:EFUG had revenue of PKR 111.21 billion and earned 5.54 billion in profits. Earnings per share was 27.72.

Revenue	111.21B
Gross Profit	19.98B
Operating Income	11.34B
Pretax Income	11.37B
Net Income	5.54B
EBITDA	12.75B
EBIT	11.34B
Earnings Per Share (EPS)	27.72

Balance Sheet

The company has 8.21 billion in cash and n/a in debt, with a net cash position of 8.21 billion or 41.03 per share.

Cash & Cash Equivalents	8.21B
Total Debt	n/a
Net Cash	8.21B
Net Cash Per Share	41.03
Equity (Book Value)	32.61B
Book Value Per Share	135.30
Working Capital	-1.63B

Cash Flow

In the last 12 months, operating cash flow was -15.24 billion and capital expenditures -1.38 billion, giving a free cash flow of -16.61 billion.

Operating Cash Flow	-15.24B
Capital Expenditures	-1.38B
Depreciation & Amortization	n/a
Net Borrowing	-309.50M
Free Cash Flow	-16.61B
FCF Per Share	-83.07

Margins

Gross margin is 17.97%, with operating and profit margins of 10.19% and 4.98%.

Gross Margin	17.97%
Operating Margin	10.19%
Pretax Margin	10.22%
Profit Margin	4.98%
EBITDA Margin	11.46%
EBIT Margin	10.19%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 10.00, which amounts to a dividend yield of 8.07%.

Dividend Per Share	10.00
Dividend Yield	8.07%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	39.83%
Buyback Yield	0.01%
Shareholder Yield	8.08%
Earnings Yield	22.37%
FCF Yield	-67.04%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on March 25, 2016. It was a forward split with a ratio of 1.25.

Last Split Date	Mar 25, 2016
Split Type	Forward
Split Ratio	1.25

Scores

Altman Z-Score	n/a
Piotroski F-Score	2